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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $77,955 | $81,233-4.0% | $155,567-49.9% | $80,874-3.6% |
| Participation rate | 96.8% | 66.2%+30.5pp | 78.2%+18.6pp | 67.6%+29.1pp |
| Annual return | 10.82% | 33.33%-22.5pp | 64.74%-53.9pp | 35.62%-24.8pp |
| Employer contribution / active EE | $2,045 | $3,101-34.0% | $4,674-56.2% | $2,756-25.8% |
| Participant deferral / active EE | $4,689 | $3,452+35.8% | $5,628-16.7% | $4,297+9.1% |
| Admin fee / account holder | $536 | $7,998-93.3% | $15,916-96.6% | $6,935-92.3% |